Cecil County Government offices will be closed on Monday, November 12th in honor of Veterans Day.

Housing Counseling Services

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Call 410-996-5245 to make an appointment for the services below. All services are free of charge, except non-Cecil County home equity conversion mortgage customers.

Homeownership Counseling (pre-purchase)

Counseling available to increase client awareness of the process of becoming a homeowner and to calculate the affordability of home ownership. Information workshops are offered on the 3rd Tuesday of every month at 6 PM. Please call to register so that sufficient materials can be made available. Information on many kinds of First Time Home Buyer financing programs will be explained. In the State of Maryland you may qualify as a first-time home buyer if you have not owned a home in the last 3 years. You must attend the workshop and a one-on-one counseling to get the Counseling certificate required by most lending and grant programs. We are sorry, but because of the space and time limitations and in courtesy to our presenters, please do not bring children to the workshop.

Budget Counseling

Counseling available to assist clients and/or enhance financial management skills.

Mortgage Default & Delinquency

Free counseling available to increase client awareness of programs available to prevent foreclosure when possible. Counselors available to work on clients' behalf with lenders when necessary. For assistance, please contact Harford County Housing Agency at 410-638-3045, or visit

Home Equity Conversion Mortgage Counseling (Reverse Mortgage)

Counselor available to discuss reverse mortgages, calculate financial gain, and discuss options with clients who are considering applying for a reverse mortgage. Effective January 1, 2018, the fee for reverse mortgage counseling for residents in any Maryland county outside of Cecil County will be $50.  This payment must be received prior to your appointment.  Also effective January 1, 2018, the reverse mortgage fee for non-Maryland residents will be $100.  Fees may be deferred to closing or waived for other extenuating circumstances on a case-by-case basis.  For a full listing of fees, please see 2018 Counseling Fees.

Rental Counseling & Rent Delinquency

Counseling available to discuss rental process and rights of tenants. For more information, please see the State of Maryland Attorney General's publication Landlords and Tenants.

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